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Disability Insurance

Did you know that, statistically speaking, one out of every three Canadians will experience a disability lasting 90 days or longer before reaching the age of 65? Moreover, such disabilities typically endure for an average of 2.9 years. In certain cases, the situation can be even more challenging, with some individuals encountering disability events more than five times throughout their lifetime. Given the unpredictable nature of accidents and illnesses, it is imperative to secure a comprehensive disability insurance policy to mitigate future uncertainties and safeguard both yourself and your family financially.

It is crucial not to allow present comfort to overshadow the need for foresight. At Life Insurance Pro, we specialize in providing tailored Disability Insurance solutions to meet your specific needs, offering you and your family enhanced peace of mind. With our assistance, any temporary inability to provide for your family becomes a manageable concern. Click the "Get Quote" button now to receive a complimentary Disability Insurance quote, and we will promptly respond to your inquiry. Thank you for considering us for your insurance needs.

Our Reviews

Excellent4.8 Based on 501 reviews from ★★★★★ I was a pleasure working with Dornaz getting our travel insurance. She was so pleasant and helpful and took the time to shop for the best deal. We lost connection and she called back immediately which is getting to be a rare trait these days. Muchly appreciated and thanks.Ron SynchenaRon Synchena ★★★★★ My experience with Alliance Services Corp. Everything was excellent, and the agent I interact with was really up to his game. He answered all my questions clearly and helped me out.Frontline Arctic SecurityFrontline Arctic Security ★★★★★ Dornaz was very helpful in arranging medical and trip cancellation insurance for my family. I called back with multiple questions and she provided clear answers. She is efficient and a pleasure to work with - I highly recommend her!Heather MacKenzieHeather MacKenzie ★★★★★ Dornaz and other Alliance agents have provided exceptional service. Thank you Alliance, (price was good too). Bozena E.EllaElla ★★★★★ Excellent and caring customer serviceMaria CostantinoMaria Costantino ★★★★★ Dornaz at alliance was very efficient to get my travel insurance stated. Prompt service and she seems very professional.I felt comfortable dealing with her on the phone and very detailed about how the coverage worksI will definitely in future go back to AllianceThank you DornazShiraz AliShiraz Ali ★★★★★ Excellent customer service from Dornaz. Thank you kindly for the great service & for explaining everything so well to me. Much respect.Victoria FudgeVictoria Fudge ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.Catherine OnishiCatherine Onishi ★★★★★ Dornaz helped me with extended travel insurance, she found me an excellent rate! She was very kind and professional. In the future Dornaz will be my go to agent. Best Wishes Dornaz!Linda TaylorLinda Taylor ★★★★★ Dornaz is great agent!Kawtar ManyariKawtar Manyari ★★★★★ Artmiz was very professional and quick to answer all my questions . She was very knowledgeable of her products. Thanx Artmizron raymerron raymer ★★★★★ Dornaz was informative, efficient and thorough. She found the best rates with optionsstephen ottstephen ott ★★★★★ Dornaz and Alliance has treated me well so far. Trip doesn't happen until the fallWayne KempWayne Kemp ★★★★★ Sehar Bajwa was my agent providing trip cancellation, interruption and baggage insurance for an upcoming international flight. She was very thorough and patient providing me with the information required to make this a smooth and quick transaction. Thank you Sehar.Geri FazakasGeri Fazakas ★★★★★ Very informative and willing to find us the best quote to suit our needs.GaryGary ★★★★★ Sehar bejas looked after my travel insurance in a pleasant, knowledgeable and professional mannerIngrid CameronIngrid Cameron ★★★★★ Sehar was very patient with me and explained different options for our travel requirements. We saved money buying travel insurance through your company. Thank you Sehar!Marilyn KellyMarilyn Kelly ★★★★★ Great advice.Denise KeepDenise Keep ★★★★★ Dornaz was great at finding good medical coverage for myself and daughter.thanks so muchEllen WilsonEllen Wilson ★★★★★ Had a great experience working with George. He was able to save us money on our Group Insurance policy. Professionalism, great communication and great follow up. Thank you.Gregory van DuyseGregory van Duyse ★★★★★ I always get great service from R'ceino and Artmiz that's why I keep coming back to your company for our family's travel insurance. Thank you.Doris ConcepcionDoris Concepcion ★★★★★ Dornaz eas extremely helpful and a pleasure to deal with.Kathryn KatesKathryn Kates ★★★★★ I dealt with Dornaz regarding our medical insurance during our trip to Europe.Found her to be knowledgeable, polite and patient .Etienne PintoEtienne Pinto ★★★★★ I appreciate the patience with me and quick and great service. I feel much better now that this part of the process is overDebbie CainDebbie Cain ★★★★★ VERY KNOWLEDGEABLE, HELPFUL, AVAILABLE. GREAT TO WORK WITH!anne changanne chang ★★★★★ Dornaz was the agent that reached out to me. She was helpful and explained the travel coverage to me. I decided to purchase the coverage. She was helpful and patient.Cindy KentCindy Kent ★★★★★ Dornaz answered promptly. She was knowledgeable and provided exceptional service.Betty McNaughtBetty McNaught ★★★★★ Sehar Bajwa helped me secure the additional top-up trip cancellation/interruption and baggage coverage (aka the non-medical package) for my upcoming vacation. She was knowledgeable, helpful, and quickly answered my questions. And when our call dropped she immediately called me back. It was a pleasure working with Sehar. She made shopping for and purchasing travel insurance simple and easy. Allianz (aka Alliance Income Services Corp) has the best value for travel insurance.Pamela MacCrostiePamela MacCrostie ★★★★★ I've just purchased comprehensive travel insurance from Agent Sehar Bajwa. What a pleasure to work with her. Sehar's professionalism and patience were outstanding start to finish!! Communications, documentation and follow-up were very clear.Brenda CiolfiBrenda Ciolfi ★★★★★ I’ve had the pleasure of dealing with Sehar Bajwa for all my travel insurance needs. She is unfailingly pleasant and professional. I will continue to count on her knowing that I’m in very capable hands.Chris PennyChris Penny ★★★★★ Excellent service from Sehar Bajwa. Not pushy answered questions and got the policy to me quickly. Thank youIngrid SwenkerIngrid Swenker ★★★★★ Sehar was very helpful. Made the process painless!Lynne FulcherLynne Fulcher ★★★★★ Sehar Bajwa was the agent with whom I spoke. She was very helpful and efficient. I was also quoted Travel Cancellation and Interruption Insurance by two other agents at different companies. I went with Sehar because she provided me with the most thorough information and an excellent rate.estolteestolte ★★★★★ Wow what a great experience these guys are so knowledgeable.steve Rsteve R ★★★★★ I recently had the pleasure of working with Dornaz at Allianz global assistance who helped me secure health and dental insurance, and I couldn't be more satisfied with the experience. From the moment we started the conversation, she was incredibly knowledgeable and attentive to my needs. She took the time to explain all my options clearly, ensuring I understood the details of each plan.What stood out the most was Dornaz’s patience and willingness to answer all my questions, no matter how small. She made the entire process smooth and stress-free, guiding me through all the process and making sure I felt comfortable with my decision. Thanks to her expertise, I feel confident that I chose the best health insurance plan for my needs. I highly recommend Allianz Global assistance services to anyone looking for reliable and friendly assistance in navigating health and dental insurance options! From my experience, Allianz Global assistance is the best insurance company outta here!ParfianoParfiano ★★★★★ Agent was very pleasant and efficient in providing an immediate quoteTom SmithTom Smith ★★★★★ I was researching for a travel emergency medical plan for seniors. Allianz was on my list but I hadn't made contact as yet. I received a call back from Ummi Hanny of Alliance as a result of one of my queries and I'm delighted with the result. She listened and guided me through the process with great skill, knowledge and understanding. She forwarded a quote and afforded me time to consider the offer over the weekend and we would reconnect early the next week. This also gave me time to continue my research with a better understanding. which I much appreciated.We spoke on Tuesday and concluded the signing of the coverage offered through Alliance. It was the best plan for me, coverage wise, duration and financially. The fact that Alliance is a European based company is a plus as that is where I'm traveling as well as non U.S, based.Ummi's engaging style lead to these discoveries for me. She was attentive, knowledgeable, personable and genuine. She represents her organization extremely well and I would not hesitate to recommend Alliance and/or engage your service in the future.SincerelyJohn S. MacDonaldJohn MacDonaldJohn MacDonald ★★★★★ Sehar Bajwa was very efficient, professional and knowledgeable. I was extremely pleased with her prompt service and pleasant personality.Eva Young powEva Young pow ★★★★★ Your customer service caller was so helpful. I felt confident going ahead and signing up for health insurance for my upcoming trip. Thank you for your patience and friendliness during the call. I feel better about spending a few days in the United States knowing I have health coverage.Beth FosterBeth Foster ★★★★★ I went online for a quote. Then Sehar called me with a quote.Sehar was wonderful. So professional and easy to understand.It was a delight speaking to her. Also the price was the best.Evelyn DicksonEvelyn Dickson ★★★★★ Artemiz Namazi was very professional, patient, and friendly while helping me purchase medical insurance for myself, my husband, and my son.krystyna Harasymowiczkrystyna Harasymowiczjs_loader
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Get Disability Insurance Quotes in Minutes

At Life Insurance Pro, we understand the paramount importance of family. Our top-tier insurance policies empower you to consistently support your loved ones, ensuring financial stability even in your absence.

Take the first step by clicking below to receive a personalized quote.

What Does Disability Insurance Entail?

Disability Insurance provides a safety net by replacing 60%-85% of your income in the event of temporary or permanent disability. In Canada, nearly a quarter of individuals aged 45-65 live with at least one disability. Various temporary disabilities, such as a broken arm or leg, can hinder your ability to work for several months, depending on your occupation. For professions involving strenuous physical activities, the risk of injuries and accidents may be higher, underscoring the importance of Disability Insurance.

Types of Disability Insurance Available in Canada

In Canada, there are two main types of Disability Insurance to consider:

Short-Term Disability Insurance

Short-Term Disability Insurance typically provides coverage for up to 6 months, replacing around 70% of your salary in the event of disability. It’s important to note that some employers offer Short-Term Disability Insurance as part of their benefits package, often requiring employees to exhaust other employment benefits (like sick leave or vacation days) before the coverage begins. If your employer’s coverage is inadequate, you have the option to purchase additional Short-Term Disability Insurance independently.

Long-Term Disability Insurance

Long-Term Disability Insurance offers coverage for two or more years, typically replacing approximately 60% of your salary. However, these benefits only become accessible after Short-Term Disability Insurance or Employment Insurance coverage ends, and you’ve depleted other employment benefits like paid vacation days and sick leave.

Tips to Save Money on Disability Insurance

We’re committed to assisting you in managing your finances wisely. One of the most effective methods to economize on Disability Insurance is by comparing rates across various providers. While this process can be quite time-consuming, Life Insurance Pro simplifies it for you. With just a request for a quote through our website, we handle the legwork by assessing rates from all major Canadian insurers on your behalf. More ways to save money on Disability Insurance are as follows:

Age Consideration

Your age category significantly influences your premium rates. We highly recommend purchasing a policy at a younger age to secure lower premiums. Avoid potential rate increases by obtaining Disability Insurance before your next birthday.

Employer Coverage Assessment

Optimize your premiums by adjusting your plan to bridge any gaps in the coverage provided by your employer.

Smoking Status Impact

Smokers may face premiums up to 100% higher compared to non-smokers for equivalent coverage levels. To substantially lower your premium costs, contemplate quitting smoking. Not only will this save you money, but it will also contribute to your overall health and well-being.

Coverage Bundling Strategy

Disability Insurance is often paired with Life Insurance or other policies. Obtain your policies from the same provider to benefit from discounted rates.

Disability Insurance FAQs

This section aims to provide even more valuable information on the topic of Disability Insurance.

Disability insurance provides financial protection if you’re unable to work due to an injury or illness. It typically replaces a portion of your income to help cover essential expenses such as mortgage payments, utility bills, and medical costs.

If your income is essential to meeting your financial obligations, you likely need disability insurance. It’s especially crucial if you don’t have enough savings to cover living expenses if you’re unable to work for an extended period due to disability.

Short-term disability insurance provides coverage for a shorter duration, typically up to six months, and offers higher benefit amounts initially. Long-term disability insurance, on the other hand, provides coverage for a more extended period, often until retirement age if necessary, but typically with a lower monthly benefit.

Yes, you can usually still obtain disability insurance even if you have pre-existing health conditions. However, the premiums may be higher, and certain conditions may be excluded from coverage or subject to limitations.

The amount of coverage you need depends on various factors, including your monthly expenses, existing savings, and other sources of income. As a general guideline, aim for coverage that replaces at least 60-70% of your pre-disability income. Working with a financial advisor can help you determine the appropriate coverage amount for your specific situation.

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Disability Form (#14)
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